Money blog + Isas | The Guardianhttps://www.theguardian.com/money/blog+isas
Indexen-gbGuardian News and Media Limited or its affiliated companies. All rights reserved. 2017Fri, 18 Aug 2017 06:09:32 GMT2017-08-18T06:09:32Zen-gbGuardian News and Media Limited or its affiliated companies. All rights reserved. 2017The Guardianhttps://assets.guim.co.uk/images/guardian-logo-rss.c45beb1bafa34b347ac333af2e6fe23f.pnghttps://www.theguardian.com
Britain is a savers’ paradise … but only for the fewhttps://www.theguardian.com/money/blog/2016/apr/30/britain-savers-paradise-tax-breaks-few-benefit
We get access to more tax breaks than almost any other developed country, but not everyone has the money to benefit<p>Well-off Brits are living in a savings paradise. There is almost no need to head off to Panama or the Caymans when Britain itself is such a tax haven. You may not think this, given the miserably low interest rates on savings accounts, but Brits – or, to be more accurate, Britain’s upper-middle classes, because few others have the money – get access to more tax breaks than virtually anyone else in the developed world.</p><p>Take the new personal savings allowance (PSA). The first £500 of savings interest is now tax-free if you are a 40% taxpayer. This roughly equates to zero tax on the first £35,000 or so of savings balances. It’s worth more to a lower-rate taxpayer, who can shield £70,000 in savings from tax, but show me someone on average earnings who has that much in savings and I’ll show you a junior doctor who supports Jeremy Hunt. The truth is that the main beneficiaries of the new PSA will be the already well-off.</p><p> <span>Related: </span><a href="http://www.theguardian.com/money/2016/apr/11/where-put-cash-savings-rates-rock-bottom">Where to put your cash while savings rates are rock-bottom</a> </p><p>The truth is that the huge new allowances benefit a tiny number of people</p> <a href="https://www.theguardian.com/money/blog/2016/apr/30/britain-savers-paradise-tax-breaks-few-benefit">Continue reading...</a>SavingsMoneyIncome taxTaxSavings ratesBanks and building societiesIsasSat, 30 Apr 2016 06:00:17 GMThttp://www.theguardian.com/money/blog/2016/apr/30/britain-savers-paradise-tax-breaks-few-benefitPhotograph: LOOK Die Bildagentur der Fotogra/AlamyPhotograph: LOOK Die Bildagentur der Fotogra/AlamyPatrick Collinson2016-04-30T06:00:17ZWhy most Britons lose more than £400 every yearhttps://www.theguardian.com/money/blog/2014/sep/03/how-britons-lose-400-every-year
A poor understanding of financial jargon leaves people in Britain seriously out of pocket, according to a survey. And more than half of those asked didn’t even know what a loan was<p><strong>Name:</strong> £428.</p><p><strong>Age:</strong> Venerable, though probably neither older nor younger than £427 or £429.</p> <a href="https://www.theguardian.com/money/blog/2014/sep/03/how-britons-lose-400-every-year">Continue reading...</a>MoneyConsumer affairsBorrowing & debtUK newsIsasSavingsWed, 03 Sep 2014 15:25:23 GMThttp://www.theguardian.com/money/blog/2014/sep/03/how-britons-lose-400-every-yearPhotograph: AlamyQuids out: ignorance of financial jargon can be costly.Photograph: AlamyQuids out: ignorance of financial jargon can be costly.Guardian Staff2014-09-03T15:25:23ZCuddly Richard Branson: the fattest cat of allhttps://www.theguardian.com/money/blog/2014/jun/21/richard-branson-virgin-tracker-isa
Virgin's FTSE All-Share Tracker Isa makes Branson's empire £26m a year; a similar tracker from Fidelity would take £1.8m<p>Who is Britain's most overpaid fund manager? Rather than pointing a finger at the usual gallery of City fat cats, there's a case for saying it is none other than cuddly old Richard Branson. The profit that Virgin is raking in from the thousands of small investors in his £2.6bn FTSE All Share Tracker Isa is eye-watering.</p><p>It charges what, on the surface, seems like a reasonable fee of 1% a year – until you discover that the likes of Fidelity operate a similar FTSE tracking fund for just 0.07% a year.</p> <a href="https://www.theguardian.com/money/blog/2014/jun/21/richard-branson-virgin-tracker-isa">Continue reading...</a>Investment fundsInvestmentsInvestment IsasIsasMoneyVirgin GroupBusinessSat, 21 Jun 2014 06:00:32 GMThttp://www.theguardian.com/money/blog/2014/jun/21/richard-branson-virgin-tracker-isaPhotograph: Paul Ellis/AFP/Getty ImagesRichard Branson's empire pockets £26m a year from its FTSE All Share Tracker Isa. Photograph: Paul Ellis/AFP/Getty ImagesPhotograph: Paul Ellis/AFP/Getty ImagesRichard Branson's empire pockets £26m a year from its FTSE All Share Tracker Isa. Photograph: Paul Ellis/AFP/Getty ImagesPatrick Collinson2014-06-21T06:00:32ZOsborne's budget hits its target – the well-offhttps://www.theguardian.com/money/blog/2014/mar/19/osborne-budget-hits-target-well-off
A focus on savings and pensions will benefit typical well-heeled Tory voters, not the young and poor<p>Welcome to generation rent - forever. Financial experts are predicting a surge in buy-to-let investing as retiring pensioners, freed from having to buy annuities, pour the money into property instead, and in the process exclude the young (or those without help from the Bank of Mum and Dad) from the market almost permanently.</p><p>As accountant Mark Giddens at UHY Hacker Young said immediately after the budget: "With pensioners no longer being rail-roaded into investing in annuities, they will be looking for other higher-yielding investments – that inevitably means a huge boost to buy-to-let investments."</p> <a href="https://www.theguardian.com/money/blog/2014/mar/19/osborne-budget-hits-target-well-off">Continue reading...</a>Family financesBuying to letPropertySavingsBanks and building societiesIsasAnnuitiesInvestmentsInvestment IsasRetirement planningPensionsMoneyBudget 2014BudgetUK newsPovertyGeorge OsbornePoliticsYoung peopleSocietyWed, 19 Mar 2014 16:38:50 GMThttp://www.theguardian.com/money/blog/2014/mar/19/osborne-budget-hits-target-well-offPhotograph: David Levene/GuardianThe chancellor's message is clear; voters are rewarded, and they tend not be to 18-24 year olds. Photograph: David Levene for the GuardianPhotograph: David Levene/GuardianThe chancellor's message is clear; voters are rewarded, and they tend not be to 18-24 year olds. Photograph: David Levene for the GuardianPatrick Collinson2014-03-19T16:38:50ZThe day I met a Lloyds 'selling machine'https://www.theguardian.com/money/blog/2013/dec/11/lloyds-salesman-your-experiences
As one writer recalls a run in with a Lloyds salesman, we want to hear about your experiences, or from those who were tasked with making the sales<p>Anyone who has been into a Lloyds branch to discuss a savings account <a href="http://www.theguardian.com/business/2013/dec/11/lloyds-banking-group-fined-misselling-scandal" title="Lloyds Banking Group fined record 28m in new mis-selling scandal">will not be surprised that the bank has been fined</a>, so hard was the sell you would get to buy its products. I know, because it happened to me.</p><p>I don't bank at Lloyds, but several years ago it had what was then the best selling cash Isa rate. I trooped into my local branch to open the account. As we filled in the forms the Lloyds staff member started trying to persuade me to take out a stocks and share Isa instead – one that would have put my money into the stock market rather than the simple tax-free savings account I wanted.</p> <a href="https://www.theguardian.com/money/blog/2013/dec/11/lloyds-salesman-your-experiences">Continue reading...</a>Banks and building societiesMoneyIsasSavingsHealth insuranceInsuranceConsumer affairsLloyds Banking GroupBankingBusinessUK newsWed, 11 Dec 2013 13:09:37 GMThttp://www.theguardian.com/money/blog/2013/dec/11/lloyds-salesman-your-experiencesPhotograph: Christopher Thomond'Some vulnerable pensioners wouldn’t have stood a chance in the face of such a selling machine'. Photograph: Christopher ThomondPhotograph: Christopher Thomond'Some vulnerable pensioners wouldn’t have stood a chance in the face of such a selling machine'. Photograph: Christopher ThomondMiles Brignall2013-12-11T13:09:37ZBudget 2012: ask our experts how it will affect youhttps://www.theguardian.com/money/blog/2012/mar/21/budget-2012-ask-experts-how-affect-you
Put your questions on the 2012 budget to our panel of experts and get the answers from 1pm on Thursday<p>Most of <a href="http://www.theguardian.com/politics/blog/2012/mar/21/budget-2012-live-george-osborne-speech" title="Budget 2012: live coverage of George Osborne's statement">what was announced in the 2012 budget</a> was leaked in advance: a £9,205 personal tax allowance, scrapping of the 50% tax band, the introduction of a mansion tax and the cutting of child benefit.</p><p>But there were also a few things we weren't expecting: the tapering of child benefit for those earning over £50,000, confirmation that the flat rate pension will be introduced, and the levelling of personal allowances for pensioners.</p> <a href="https://www.theguardian.com/money/blog/2012/mar/21/budget-2012-ask-experts-how-affect-you">Continue reading...</a>Budget 2012BudgetUK newsTaxMoneyState benefitsBenefitsPensionsPropertyFamily financesFirst-time buyersNational insuranceChild benefitState pensionsStamp dutyMotoringIsasSavingsIncome taxCash IsasWed, 21 Mar 2012 13:42:37 GMThttp://www.theguardian.com/money/blog/2012/mar/21/budget-2012-ask-experts-how-affect-youPhotograph: Graeme RobertsonPut your budget 2012 questions to our panel of experts. Photograph: Graeme RobertsonPhotograph: Graeme RobertsonPut your budget 2012 questions to our panel of experts. Photograph: Graeme RobertsonJill Insley2012-03-21T13:42:37ZLending shares puts your money in others' handshttps://www.theguardian.com/money/blog/2011/sep/02/lending-shares
Your Isa or pension shares are being lent without your knowledge and it may force down their value<p>Imagine that you bought a new car from a showroom but then, over the next few years, the guy who sold you the car would pop down your road, borrow it without your knowledge and lend it to someone else for a fee? You wouldn't just be outraged. I think you'd call the police.</p><p>Yet this is precisely what's going on with your pensions and Isas. Fund management groups are making hundreds of millions of pounds in profit by "lending" the shares that you own in your fund, without asking you, and pocketing the fee they earn for doing so.</p> <a href="https://www.theguardian.com/money/blog/2011/sep/02/lending-shares">Continue reading...</a>SharesInvestment fundsInvestmentsPensionsIsasMoneyHedge fundsBusinessInvestment IsasFri, 02 Sep 2011 22:02:59 GMThttp://www.theguardian.com/money/blog/2011/sep/02/lending-sharesPhotograph: Romilly Lockyer/Getty ImagesYour pension and Isa shares should be just like your flash new sportscar – not lent out without prior notification (or ever). Photograph: Romilly Lockyer/GettyPhotograph: Romilly Lockyer/Getty ImagesYour pension and Isa shares should be just like your flash new sportscar – not lent out without prior notification (or ever). Photograph: Romilly Lockyer/GettyPatrick Collinson2011-09-02T22:02:59ZBring kite marks to financial services to give consumers peace of mindhttps://www.theguardian.com/money/2011/jul/13/kite-marks-financial-services
Too often the attractive headline price that draws customers to a certain current account, credit card or Isa is just a smokescreen<p>Before Corgi kite marks came along, anyone could fit gas plumbing in someone's house. People didn't know whether the plumber was going to do a good job, or whether the plumbing would be safe. Then Corgi kite marks, now known as Gas Safe, came along, and the quality of plumbing improved while market forces kept prices competitive.</p><p>People buying financial services products need something similar. Because financial products – current accounts, credit cards, Isas – are complex, people don't know whether a product is good for them or not. They only have interest rates, premiums or sign-up offers to go on. But too often, that apparently attractive headline price disappears over time, and hides hidden charges, reduced coverage and other small-print nasties, all of which undermine trust in the system and increase apathy. This is why we need a kite-mark system, so consumers can rely on a good quality product and continue to look for the best price.</p> <a href="https://www.theguardian.com/money/2011/jul/13/kite-marks-financial-services">Continue reading...</a>MoneyCurrent accountsCredit cardsIsasSavingsBorrowing & debtBanks and building societiesUK newsConsumer affairsCash IsasWed, 13 Jul 2011 10:02:37 GMThttp://www.theguardian.com/money/2011/jul/13/kite-marks-financial-servicesPhotograph: Alan Schein Photography/CorbisSpoilt for choice: but how to know which credit card to choose? Photograph: Alan Schein Photography/CorbisPhotograph: Alan Schein Photography/CorbisSpoilt for choice: but how to know which credit card to choose? Photograph: Alan Schein Photography/CorbisJohn Springford2011-07-13T10:02:37ZLive clinic: Isa savingshttps://www.theguardian.com/money/blog/2011/feb/26/live-clinic-isa-savings
On Tuesday, IFAs and savings experts will be online to answer your questions on where to invest your Isa<p>We're just five-and-a-half weeks from the end of the 2010/11 tax year and the deadline for the current ISA allowance.</p><p>If you still want to use your allowance it's time to start thinking about where to invest your money. Banks and building societies have started to bring out this seasons offerings – but should you opt for a higher fixed rate or a slightly lower but more flexible variable rate?</p> <a href="https://www.theguardian.com/money/blog/2011/feb/26/live-clinic-isa-savings">Continue reading...</a>IsasSavingsBanks and building societiesMoneyCash IsasSat, 26 Feb 2011 00:01:00 GMThttp://www.theguardian.com/money/blog/2011/feb/26/live-clinic-isa-savingsPhotograph: David Sillitoe/GuardianThe deadline for the annual ISA allowance is approaching. Photograph: David SillitoePhotograph: David Sillitoe/GuardianThe deadline for the annual ISA allowance is approaching. Photograph: David SillitoeJill Insley2011-02-26T00:01:00ZDon't blame savers or the prudent for the financial crisishttps://www.theguardian.com/money/blog/2010/may/28/savers-prudent-financial-crisis
In apportioning blame for the financial crisis, the spotlight has fallen on homeowners and savers. But what impact does an Isa holder really have in a world of derivatives and short selling?<p>I get the very strong feeling I am getting the blame for the biggest financial crisis since the Great Depression. Not just me, but people like me. I have a pension, a mortgage, some savings in a building society – so it must all be my fault.</p><p>Apparently I have been demanding better deals, cheaper mortgages, a bit more on my Isa, a comfortable life in retirement. The blame game started with Alan Greenspan, the former Federal Reserve chairman, who told the Financial Crisis Inquiry Commission that the collapse of the world economy was the fault of <a href="http://www.guardian.co.uk/business/2010/apr/07/blame-europe-alan-greenspan-tells-congress" title="Blame Europe, former Federal Reserve boss tells US inquiry into financial crisis">rampant European demand for exotic financial derivatives</a> based on sub-prime loans.</p> <a href="https://www.theguardian.com/money/blog/2010/may/28/savers-prudent-financial-crisis">Continue reading...</a>IsasSavingsSavings ratesBanks and building societiesPensionsMoneyCredit crunchBusinessFinancial sectorCash IsasFri, 28 May 2010 09:31:12 GMThttp://www.theguardian.com/money/blog/2010/may/28/savers-prudent-financial-crisisPhotograph: GettyDear prudents: You are not to blame for the financial crisis. Photograph: GettyPhotograph: GettyDear prudents: You are not to blame for the financial crisis. Photograph: GettyRichard Alcock2010-05-28T09:31:12ZIs the Cheltenham & Gloucester Isa the worst in Britain?https://www.theguardian.com/money/blog/2010/may/15/cheltenham-gloucester-isa-worst-britain
C&amp;G returns make me see simply red, while the capital gains plans beggar belief<p>Is this the worst cash Isa in Britain? A reader from Peterborough tells us his Cheltenham &amp; Gloucester cash Isa last year gave him just £11.64 in interest – on a balance in his account of £12,781.</p><p>Contrast that with C&amp;G's warm and friendly cash Isa marketing materials, which promise: "Whatever your reason for saving, we're a very sensible choice." In truth, it is paying what, as far as we can see, is the very worst Isa rate in Britain – an appalling 0.05%. Do let us know if you can find any other institution that stoops as low as C&amp;G – we'd be delighted to name and shame them. But we don't think anyone quite beats C&amp;G for penny-pinching.</p> <a href="https://www.theguardian.com/money/blog/2010/may/15/cheltenham-gloucester-isa-worst-britain">Continue reading...</a>IsasSavingsSavings ratesMoneyBanks and building societiesCapital gains taxAnnuitiesCash IsasFri, 14 May 2010 23:01:00 GMThttp://www.theguardian.com/money/blog/2010/may/15/cheltenham-gloucester-isa-worst-britainPatrick Collinson2010-05-14T23:01:00ZM&S Isa rate cut spoilt my dayhttps://www.theguardian.com/money/blog/2009/jun/11/isa-rates-cut
The base rate is stable yet all the banks are slashing their Isa interest rates. What's going on, wonders Lisa Bachelor<p>Here one minute, gone the next. That's what seems to have happened to my M&amp;S Advantage Cash Isa interest rate. I only signed up a few weeks ago on the basis that it offered one of the best interest rates around. But now the bank, part of HSBC, says it is cutting the rate on Friday from 3.1% to 2.5% (this includes a 1% bonus).</p><p>It is by no means the first Isa provider to make such a move. <a href="http://www.theguardian.com/money/2009/jun/07/isas-savings-barclays" title="Guardian story on banks cutting Isa rates">Barclays, Halifax, NatWest and First Direct</a> have all been at it, chopping or pulling their deals of late. But that doesn't stop me from being annoyed, especially as the M&amp;S Isa was one of the few that seemingly didn't come with a big catch, such as having to sign up to a current account. The rate, which M&amp;S has been paying since January, was also one of the highest available without having to tie your money up for a year or more.</p> <a href="https://www.theguardian.com/money/blog/2009/jun/11/isa-rates-cut">Continue reading...</a>IsasSavingsBanks and building societiesMoneyCash IsasThu, 11 Jun 2009 10:22:31 GMThttp://www.theguardian.com/money/blog/2009/jun/11/isa-rates-cutPhotograph: David Sillitoe/GuardianM&S is one of several banks to cut its Isa rates, despite a stable Bank base ratePhotograph: David Sillitoe/GuardianM&S is one of several banks to cut its Isa rates, despite a stable Bank base rateLisa Bachelor2009-06-11T10:22:31ZIsa clinic: Our experts will answer your questions on 31 Marchhttps://www.theguardian.com/money/blog/2009/mar/27/isa-investments-expert-advice
Our panel of experts will answer your Isa questions from midday on Tuesday 31 March<p>It's a scary thought, but we are once again approaching the end of the tax year and with it the deadline to use up this year's Isa allowance. A lot has changed over the past 12 months – <a href="http://www.theguardian.com/money/2009/mar/10/savings-rates-interest-rates" title="Savings rates fall to record low">interest rates have been slashed</a>, the stock market has plummeted and some of the <a href="http://www.theguardian.com/money/2008/oct/07/banks.savings" title="Icesave collapses">providers offering best-buy accounts have bitten the dust</a>. It's little wonder many of us are still trying to decide what to do with this year's cash.</p><p>Whatever the reason for your delay – if you are still trying to decide which cash account best suits your needs, or whether the time might be right to go for an equity Isa, or you're unsure how to open an account – we have an expert panel on hand to help.</p> <a href="https://www.theguardian.com/money/blog/2009/mar/27/isa-investments-expert-advice">Continue reading...</a>IsasSavingsInvestmentsTaxMoneyCash IsasInvestment IsasFri, 27 Mar 2009 16:33:04 GMThttp://www.theguardian.com/money/blog/2009/mar/27/isa-investments-expert-advicePhotograph: CHRISTOPHER THOMOND/GuardianThe Isa deadline is fast approaching. Photograph: Christopher Thomond/GuardianPhotograph: CHRISTOPHER THOMOND/GuardianThe Isa deadline is fast approaching. Photograph: Christopher Thomond/GuardianHilary Osborne2009-03-27T16:33:04ZAnthea Turner and house prices feature in this week's money newshttps://www.theguardian.com/money/blog/2009/feb/23/house-prices-property-anthea-turner
Some of our favourite finance stories from the past seven days<p>It was a week in which the prime minister heralded <a href="http://www.theguardian.com/money/2009/feb/22/mortgages-excesses-gordon-brown" title="Brown signals an end to the excesses of 100% mortgages">the end of the 100% mortgage</a>, the chancellor heralded the <a href="http://www.theguardian.com/business/2009/feb/23/northern-rock-mortgages" title="Northern Rock to offer 90% mortgages">return of the 90% Northern Rock mortgage</a>, the recession got a mention, or three, at the Oscars and a new film reminded us <a href="http://www.theguardian.com/film/2009/feb/22/confessions-of-a-shopaholic-review" title="Confessions of a Shopaholic">how life used to be</a> before all this credit crunch business started. In other news ...</p><p>The Sunday Times had some good news for savers, at last – well those savers who haven't just locked their cash into poorly-paying fixed-term accounts. According to the paper, a "cash Isa war is in the offing in the run-up to the end of the tax year", with banks and building societies set to <a href="http://www.timesonline.co.uk/tol/money/savings/article5779526.ece" title="Rates war on the cards for savers">increase their rates in a bid to bring in money</a> and improve their balance sheets. Rates of up to 7% are available (although there are strings attached) and we are told some of the major players are set to launch deals in the coming weeks. Welcome news, but frustrating for savers who are earning rubbish rates on existing accounts with some of those providers.</p> <a href="https://www.theguardian.com/money/blog/2009/feb/23/house-prices-property-anthea-turner">Continue reading...</a>House pricesPropertyMoneySavingsIsasCash IsasMon, 23 Feb 2009 12:59:52 GMThttp://www.theguardian.com/money/blog/2009/feb/23/house-prices-property-anthea-turnerPhotograph: Sarah LeeHide your money: Dogs and cats ate £113,000 last year. Photograph: Sarah LeePhotograph: Sarah LeeHide your money: Dogs and cats ate £113,000 last year. Photograph: Sarah LeeHilary Osborne2009-02-23T12:59:52ZOur experts answer your questions on Isashttps://www.theguardian.com/money/blog/2009/feb/20/isa-clinic-savings
Our panel of experts will be on hand from 12pm on Tuesday<p>It is a turbulent time for savers with the Bank of England cutting interest rates to their <a href="http://www.theguardian.com/business/2009/feb/05/interest-rates-cut" title="Interest rates cut to 1%">lowest level in 300 years</a> and savings rates <a href="http://www.theguardian.com/money/2009/feb/10/savings-rates-record-low" title="Savings rates slump to record low">falling to a record low</a>. Even the traditional safe haven of Isas has <a href="http://www.theguardian.com/money/2009/feb/14/isas-savings-banks" title="Losing interest in your cash Isa? Do a transfer">taken a pounding recently</a>, leaving savers unsure what to do with their cash.</p><p>If you are struggling to find a cash Isa paying a decent rate of interest, want to know which funds to choose for an investment Isa, or just need reminding of the rules of Isa investment then post your question here.</p> <a href="https://www.theguardian.com/money/blog/2009/feb/20/isa-clinic-savings">Continue reading...</a>IsasSavingsMoneyCash IsasFri, 20 Feb 2009 11:39:34 GMThttp://www.theguardian.com/money/blog/2009/feb/20/isa-clinic-savingsPhotograph: Ann Pickford/Rex FeaturesIt is becoming increasingly hard to get good returns. Photograph: Ann Pickford/RexPhotograph: Ann Pickford/Rex FeaturesIt is becoming increasingly hard to get good returns. Photograph: Ann Pickford/RexSandra Haurant2009-02-20T11:39:34ZCash Isas and recession-hit chefs feature in this week's money newshttps://www.theguardian.com/money/blog/2009/feb/09/cash-isas-norwich-union-michael-vaughan
Some of our favourite finance stories from the past seven days<p>In a week in which the Bank of England base rate was cut to a new record low it is little surprise that most of the money pages focussed on the impact on borrowers and savers. But apart from profiles of the winners and losers there were other tales that caught the eye.</p><p>Even before the interest rate cut <a href="http://www.dailymail.co.uk/money/article-1135347/As-millions-withdrawn-popular-accounts-ask-heralds-death-cash-Isa.html" title="">the Daily Mail was asking questions about the health of the cash Isa</a>. The headline may echo one of the paper's usual celebrity hatchet jobs with its talk of "these once-popular accounts", but Sylvia Morris takes no pleasure in the slashing of rates and withdrawal of millions of pounds. She rounds up the top-paying accounts but admits: "In some cases, you can earn more in a taxable account even though your return is reduced by a 20% tax bill."</p> <a href="https://www.theguardian.com/money/blog/2009/feb/09/cash-isas-norwich-union-michael-vaughan">Continue reading...</a>SavingsMoneyIsasBanks and building societiesSavings ratesCash IsasMon, 09 Feb 2009 12:36:01 GMThttp://www.theguardian.com/money/blog/2009/feb/09/cash-isas-norwich-union-michael-vaughanPhotograph: M Hewitt/GettyMichael Vaughan applauds his financial adviser. But is that his real name? Photograph: M Hewitt/GettyPhotograph: M Hewitt/GettyMichael Vaughan applauds his financial adviser. But is that his real name? Photograph: M Hewitt/GettyHilary Osborne2009-02-09T12:36:01ZIsa transfers: Why are we waiting?https://www.theguardian.com/money/blog/2008/jun/23/isatransfersabighassle
Have you been waiting months for an Isa transfer to go through? We have - and we've had enough, says Huma Qureshi<p>The Principality has been offering a competitive e-Isa</p><p>At the start of the tax year I decided to transfer my Isa from Icesave to the Principality building society's <a href="http://www.principality.co.uk">e-Isa</a>. At the same time, my colleague Lisa Bachelor decided she would move her money to the society from Smile. </p> <a href="https://www.theguardian.com/money/blog/2008/jun/23/isatransfersabighassle">Continue reading...</a>MoneyIsasSavingsBanks and building societiesConsumer affairsCash IsasMon, 23 Jun 2008 11:59:00 GMThttp://www.theguardian.com/money/blog/2008/jun/23/isatransfersabighassleHuma Qureshi2008-06-23T11:59:00ZLast-minute Isa clinichttps://www.theguardian.com/money/blog/2008/mar/28/lastminuteisaclinic
Put your questions to our panel of experts and get the answers from 1pm on Monday<p><br>The clock is ticking on this year's Isa investments. Photograph: Peter Dazeley/Getty Images</p><p>There are just days to go to the end of the current tax year, but if traffic to the <a href="http://www.theguardian.com/money/isas">Isa section</a> of theguardian.com/money is anything to go by, many of you are still trying to decide what to do with this year's tax-free savings allowance. </p> <a href="https://www.theguardian.com/money/blog/2008/mar/28/lastminuteisaclinic">Continue reading...</a>MoneyIsasFinancial advisersSavingsCash IsasFri, 28 Mar 2008 15:00:00 GMThttp://www.theguardian.com/money/blog/2008/mar/28/lastminuteisaclinicHilary Osborne2008-03-28T15:00:00ZIsa clinichttps://www.theguardian.com/money/blog/2008/feb/08/isaclinic
Put your questions to our panel of experts and get the answers from 2pm on Monday<p><br>There is not long left to use this year's Isa allowance. Photograph: Image Source/Getty Images</p><p>The Isa season is upon us once again. If you haven't used this year's tax-free savings allowance you're running out of time to do so. But where should you put your money this time round? </p> <a href="https://www.theguardian.com/money/blog/2008/feb/08/isaclinic">Continue reading...</a>MoneyIsasTaxFri, 08 Feb 2008 14:55:00 GMThttp://www.theguardian.com/money/blog/2008/feb/08/isaclinicHilary Osborne2008-02-08T14:55:00Z